Bitcoin Loan Tool

Model your exact loan scenario.

Set your collateral, loan size, term, and state — and every lender is ranked by APR, LTV, liquidation risk, custody model, and fees, with a sourced citation behind each figure.

Matched lenders

6 lenders fit this scenario.

This scenario is in a more conservative LTV range. Compare custody and fees before optimizing for headline APR.

Sort bySafety-weighted ranks custody and score first, then APR.

Use this ifYou need cash without selling BTC.

Avoid ifYou cannot survive margin calls or forced liquidation.

Score meansHigher safety score favors custody, transparency, and jurisdiction fit, not just APR.

Custody

Show rationale

Modeled loan$25,000 against 1 BTC

Current matchXapo Bank · 10.5% APR

Interest estimate$219 / mo$2,625 total over selected term

Xapo Bank

Custodial · CEFI

Excellent

Annual APR10.5%

Max LTV40.0%

Liq. LTV80.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 65.0% LTV.No rehypothecation flag in reviewed data.< 1 day funding speed.

Origination NoneLiquidation at $31,25069% BTC drop to liquidation

Ranked first because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

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Ledn

Custodial · CEFI

High

Annual APR11.49%

Max LTV50.0%

Liq. LTV80.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 70.0% LTV.Collateral reuse is possible under this product.1 day funding speed.

Origination NoneLiquidation at $31,25069% BTC drop to liquidation

Ranked #2 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

Figure

Custodial · CEFI

High

Annual APR8.91%

Max LTV50.0%

Liq. LTV90.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 75.0% LTV.No rehypothecation flag in reviewed data.< 1 day funding speed.

Origination 1.0%Liquidation at $27,77872% BTC drop to liquidation

Ranked #3 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

Arch Lending

Custodial · CEFI

High

Annual APR10.49%

Max LTV60.0%

Liq. LTV80.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 70.0% LTV.No rehypothecation flag in reviewed data.1-3 days funding speed.

Origination 1.5%Liquidation at $31,25069% BTC drop to liquidation

Ranked #4 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

Strike

Custodial · CEFI

High

Annual APR9.5%

Max LTV50.0%

Liq. LTV85.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 70.0% LTV.Collateral reuse is possible under this product.< 1 day funding speed.

Origination NoneLiquidation at $29,41271% BTC drop to liquidation

Ranked #5 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

SALT Lending

Custodial · CEFI

Medium

Annual APR7.49%

Max LTV70.0%

Liq. LTV90.91%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 75.0% LTV.Collateral reuse is possible under this product.1-3 days funding speed.

Origination NoneLiquidation at $27,50073% BTC drop to liquidation

Ranked #6 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

How we rankAPR, custody, liquidation, transparency, and jurisdiction checks.Loan risksMargin calls, liquidation, rehypothecation, and borrower safeguards.Lowest APR / safety-weighted / highest LTVUse the sort controls above instead of jumping to separate loan pages.

Bitcoin Loan Tool

Model your exact loan scenario.

Set your collateral, loan size, term, and state — and every lender is ranked by APR, LTV, liquidation risk, custody model, and fees, with a sourced citation behind each figure.

Matched lenders

6 lenders fit this scenario.

This scenario is in a more conservative LTV range. Compare custody and fees before optimizing for headline APR.

Sort bySafety-weighted ranks custody and score first, then APR.

Use this ifYou need cash without selling BTC.

Avoid ifYou cannot survive margin calls or forced liquidation.

Score meansHigher safety score favors custody, transparency, and jurisdiction fit, not just APR.

Custody

Show rationale

Modeled loan$25,000 against 1 BTC

Current matchXapo Bank · 10.5% APR

Interest estimate$219 / mo$2,625 total over selected term

Xapo Bank

Custodial · CEFI

Excellent

Annual APR10.5%

Max LTV40.0%

Liq. LTV80.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 65.0% LTV.No rehypothecation flag in reviewed data.< 1 day funding speed.

Origination NoneLiquidation at $31,25069% BTC drop to liquidation

Ranked first because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

Ledn

Custodial · CEFI

High

Annual APR11.49%

Max LTV50.0%

Liq. LTV80.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 70.0% LTV.Collateral reuse is possible under this product.1 day funding speed.

Origination NoneLiquidation at $31,25069% BTC drop to liquidation

Ranked #2 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

Figure

Custodial · CEFI

High

Annual APR8.91%

Max LTV50.0%

Liq. LTV90.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 75.0% LTV.No rehypothecation flag in reviewed data.< 1 day funding speed.

Origination 1.0%Liquidation at $27,77872% BTC drop to liquidation

Ranked #3 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

Arch Lending

Custodial · CEFI

High

Annual APR10.49%

Max LTV60.0%

Liq. LTV80.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 70.0% LTV.No rehypothecation flag in reviewed data.1-3 days funding speed.

Origination 1.5%Liquidation at $31,25069% BTC drop to liquidation

Ranked #4 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

Strike

Custodial · CEFI

High

Annual APR9.5%

Max LTV50.0%

Liq. LTV85.0%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 70.0% LTV.Collateral reuse is possible under this product.< 1 day funding speed.

Origination NoneLiquidation at $29,41271% BTC drop to liquidation

Ranked #5 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review

SALT Lending

Custodial · CEFI

Medium

Annual APR7.49%

Max LTV70.0%

Liq. LTV90.91%

CustodyCustodial

Risk assessmentCustodial custody model.Margin call begins at 75.0% LTV.Collateral reuse is possible under this product.1-3 days funding speed.

Origination NoneLiquidation at $27,50073% BTC drop to liquidation

Ranked #6 because its safety score and custody profile rank strongly among eligible lenders, with APR still visible for cost pressure.

Open provider terms

Read lender review